PROMOTING FINANCIAL LITERACY AND ECONOMIC EMPOWERMENT FOR INDIVIDUALS LIVING WITH DISABILITIES IN ILORIN SOUTH LOCAL GOVERNMENT

This study investigates the relationship between financial literacy and economic empowerment among persons living with disabilities in Ilorin South Local Government Area, Kwara State, Nigeria. Using a descriptive research design and analyzing data from 89 respondents, the study explores the levels of financial literacy, identifies barriers to financial inclusion, evaluates the role of digital financial services, and assesses community- based support systems. Findings indicate a moderate level of financial literacy among respondents, with significant barriers including inaccessibility of financial institutions, insufficient funds, and discrimination. Digital services like USSD banking were widely used, but limited internet access restricted usage of advanced platforms. Community support played a crucial role, though awareness of formal advocacy programs was low. Overall, financial literacy, digital access, and community involvement were found to significantly impact economic empowerment. The study recommends targeted financial education, inclusive policy reforms, improved access to digital infrastructure, and strengthened community engagement to enhance financial inclusion for persons with disabilities.